topic Re: Best Capital One CC without AF? in Credit Cards

Best Capital One CC without AF?

Anonymous — Sat, 07 Jan 2012 23:35:48 GMT

No this isn't a joke ;-) I am looking to apply for another, yes ANOTHER Cap1 CC. I have the No Hassle one with a $500 CL opened in Oct 11' and I would like to open another with them but one with no AF. Any suggestions are welcome! Also I need to be able to add my wife or provide an additional card for her. Thanks myFICO family!

Re: Best Capital One CC without AF?

Anonymous — Sun, 08 Jan 2012 00:04:49 GMT

Jeez, dude, with an 800 score, why on earth would you want to deal with "Peggy" and the great folks at Cap 1? There is so much that's better out there.

Anyway since you are serious, they have that new all dark green Rewards card, 1.5% cashback for a year (1% normally with a 50% bonus after a year each year). It has no annual fee, and they have the "Venture" card which is the same, and in fact even their Platinum Mastercard has no annual fee. I'm sure you could get any of them. If not, I really wouldn't sweat it, I just have no idea why you'd want them.

You can add your wife as an AU, I was asked if I wanted to do that when I got mine.

Re: Best Capital One CC without AF?

Anonymous — Sun, 08 Jan 2012 00:08:10 GMT

By the way, conventional wisdom on here says if you do the "pre-approval" they have and nothing is mentioned, to not apply, but I didn't have anything they had pre-approved, just things I "might like" and I app'd and was instantly approved. Just an FYi, you shouldn't have a problem, however be aware if you aren't already that they may hard pull all 3 CRAs. With your score they also may not, but you should be aware of that.

Re: Best Capital One CC without AF?

Anonymous — Sun, 08 Jan 2012 00:15:49 GMT

@Anonymous wrote:
Jeez, dude, with an 800 score, why on earth would you want to deal with "Peggy" and the great folks at Cap 1? There is so much that's better out there.

Anyway since you are serious, they have that new all dark green Rewards card, 1.5% cashback for a year (1% normally with a 50% bonus after a year each year). It has no annual fee, and they have the "Venture" card which is the same, and in fact even their Platinum Mastercard has no annual fee. I'm sure you could get any of them. If not, I really wouldn't sweat it, I just have no idea why you'd want them.

You can add your wife as an AU, I was asked if I wanted to do that when I got mine.

Haha I haven't gotten around to fixing that yet, it's on my todo list. I'm at EQ 630 EX 644 TU 660, I enjoy Cap1 from a distance and plan on axing my one with an AF from the, but I don't want to ding my AAoA when I do.

Re: Best Capital One CC without AF?

CS800 — Sun, 08 Jan 2012 00:38:46 GMT

@Anonymous wrote:
Haha I haven't gotten around to fixing that yet, it's on my todo list. I'm at EQ 630 EX 644 TU 660, I enjoy Cap1 from a distance and plan on axing my one with an AF from the, but I don't want to ding my AAoA when I do.

You could probably look at a Barclays card with your TU score.

Re: Best Capital One CC without AF?

-Cain- — Sun, 08 Jan 2012 00:46:00 GMT

Your AAoA is still young if your oldest TL is from Oct. 2011, so I don't see it hurting much to add another card. If you add now, when the one you closed falls off after 10 years, you should still be in good shape. Good luck.

Re: Best Capital One CC without AF?

Anonymous — Sun, 08 Jan 2012 00:46:33 GMT

I'm not sure about them, there's nothing they really offer that interests me except the Apple financing and I'm not ready to buy anything Apple ATM.

Re: Best Capital One CC without AF?

CS800 — Sun, 08 Jan 2012 00:47:00 GMT

The only thing is that CAP One is known to HP all 3 for an app.

Re: Best Capital One CC without AF?

trumpet-205 — Sun, 08 Jan 2012 00:49:10 GMT

@Anonymous wrote:
No this isn't a joke ;-) I am looking to apply for another, yes ANOTHER Cap1 CC. I have the No Hassle one with a $500 CL opened in Oct 11' and I would like to open another with them but one with no AF. Any suggestions are welcome! Also I need to be able to add my wife or provide an additional card for her. Thanks myFICO family!

Any Cap 1 that is average credit should work for you. For prime (excellent credit) one, those have tougher requirement.

Re: Best Capital One CC without AF?

Anonymous — Sun, 08 Jan 2012 00:49:39 GMT

@CS800 wrote:
The only thing is that CAP One is known to HP all 3 for an app.

Yeah that's the thing I hate to think about. I wonder if calling in would change that....

Re: Best Capital One CC without AF?

Anonymous — Sun, 08 Jan 2012 00:52:02 GMT

The Capital One Cash Rewards (Green Card with 50% cash back). Not sure if it has no AF, but the 50% cash back is nice.

Re: Best Capital One CC without AF?

CS800 — Sun, 08 Jan 2012 00:55:39 GMT

@Anonymous wrote:
Yeah that's the thing I hate to think about. I wonder if calling in would change that....
I think this is decided by their internal system already.

Re: Best Capital One CC without AF?

Anonymous — Sun, 08 Jan 2012 01:08:23 GMT

Nope, calling in should have nothing to do with that.

Re: Best Capital One CC without AF?

CS800 — Sun, 08 Jan 2012 01:13:06 GMT

Just like CLI with Cap One, their internal systems decides it all I have heard this one so many times from their CSR's

Re: Best Capital One CC without AF?

jeffery581 — Sun, 08 Jan 2012 01:20:18 GMT

Venture or Cash card.

Re: Best Capital One CC without AF?

Anonymous — Sun, 08 Jan 2012 04:42:55 GMT

@Anonymous wrote:
The Capital One Cash Rewards (Green Card with 50% cash back). Not sure if it has no AF, but the 50% cash back is nice.

It effectively gives the card 1.5% in a year's time. (They give you that bonus at the end of each year).

It does have no AF, which is true of their "prime" cards.

Re: Best Capital One CC without AF?

Gollum — Sun, 08 Jan 2012 09:58:09 GMT

@Anonymous wrote:
@Anonymous wrote:
Jeez, dude, with an 800 score, why on earth would you want to deal with "Peggy" and the great folks at Cap 1? There is so much that's better out there.

Anyway since you are serious, they have that new all dark green Rewards card, 1.5% cashback for a year (1% normally with a 50% bonus after a year each year). It has no annual fee, and they have the "Venture" card which is the same, and in fact even their Platinum Mastercard has no annual fee. I'm sure you could get any of them. If not, I really wouldn't sweat it, I just have no idea why you'd want them.

You can add your wife as an AU, I was asked if I wanted to do that when I got mine.
Haha I haven't gotten around to fixing that yet, it's on my todo list. I'm at EQ 630 EX 644 TU 660, I enjoy Cap1 from a distance and plan on axing my one with an AF from the, but I don't want to ding my AAoA when I do.

Do everyone else a favor: correct your signature.

Re: Best Capital One CC without AF?

LS2982 — Sun, 08 Jan 2012 16:23:00 GMT

@Anonymous wrote:
No this isn't a joke ;-) I am looking to apply for another, yes ANOTHER Cap1 CC. I have the No Hassle one with a $500 CL opened in Oct 11' and I would like to open another with them but one with no AF. Any suggestions are welcome! Also I need to be able to add my wife or provide an additional card for her. Thanks myFICO family!

Have you tried the Venture or Green Cash rewards?

Re: Best Capital One CC without AF?

LS2982 — Sun, 08 Jan 2012 16:25:01 GMT

@Gollum wrote:
@Anonymous wrote:
@Anonymous wrote:
Jeez, dude, with an 800 score, why on earth would you want to deal with "Peggy" and the great folks at Cap 1? There is so much that's better out there.

Anyway since you are serious, they have that new all dark green Rewards card, 1.5% cashback for a year (1% normally with a 50% bonus after a year each year). It has no annual fee, and they have the "Venture" card which is the same, and in fact even their Platinum Mastercard has no annual fee. I'm sure you could get any of them. If not, I really wouldn't sweat it, I just have no idea why you'd want them.

You can add your wife as an AU, I was asked if I wanted to do that when I got mine.
Haha I haven't gotten around to fixing that yet, it's on my todo list. I'm at EQ 630 EX 644 TU 660, I enjoy Cap1 from a distance and plan on axing my one with an AF from the, but I don't want to ding my AAoA when I do.
Do everyone else a favor: correct your signature.

Don't app for Venture or Green cash rewardswith those scores!